Tom Kulis

Tom Kulis

Mortgage Banker | NMLS# 210449

Loan programs may change at any time with or without notice. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Housing Lender. Located at 600 Lynnhaven Parkway Suite 203 Virginia Beach, VA 23452.

"I am dealing with your life and your family’s life. At this point, it’s one of the most important things you have going on. It’s something you only do two or three times in your life and I have to take that seriously.”

Open, honest and straightforward, Tom Kulis has developed time-saving methods that make the mortgage process easy for borrowers, ensuring…

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We've collected reviews from my clients so that you can see how I'm doing.

The results are in...

OVERALL CUSTOMER SATISFACTION

5 OUT OF 5

Tom was excellent. Great customer service. I was impressed when he had remembered my mother had been hospitalized when I was working with him. He asked about her several months later.

-Lisa J. and David M.

Tom was very knowledgeable and helpful with this process. He even answered questions after the process was over.

-Delmer O. and Christina O.

We are aged and you have been so kind and patient! You've done a fantastic job! We definitely would ask for your service again!! Evelyn said you did a great job! Thank you!!

-Carolyn C. and Clyde C.

I would recommend this Mortgage group to anyone. Tom Kulis was excellent at his job! I would not hesitate at a chance to work with him again.

-Gloria H.

The entire mortgage experience at Atlantic Bay was efficient and easy. Tom and Melissa were very easy to work with. They addressed all of our questions/ concerns, were professional and thorough.

-Michael F. and Chelsea F.

Tom was excellent. Great customer service. I was impressed when he had remembered my mother had been hospitalized when I was working with him. He asked about her several months later.

-Lisa J. and David M.

Tom was very knowledgeable and helpful with this process. He even answered questions after the process was over.

-Delmer O. and Christina O.

We are aged and you have been so kind and patient! You've done a fantastic job! We definitely would ask for your service again!! Evelyn said you did a great job! Thank you!!

-Carolyn C. and Clyde C.

I would recommend this Mortgage group to anyone. Tom Kulis was excellent at his job! I would not hesitate at a chance to work with him again.

-Gloria H.

The entire mortgage experience at Atlantic Bay was efficient and easy. Tom and Melissa were very easy to work with. They addressed all of our questions/ concerns, were professional and thorough.

-Michael F. and Chelsea F.

Tom was excellent. Great customer service. I was impressed when he had remembered my mother had been hospitalized when I was working with him. He asked about her several months later.

-Lisa J. and David M.

Accomplishments

CERTIFICATION:

Licensed Loan Officer

SPECIALIZING IN:

Purchase and Refinance

130,000+

Families Helped

98.4%

Customer Satisfaction

99.7%

Closed On Time

Financing Tool Kit

Hand-picked tools designed to educate and inform

CALCULATE YOUR MONTHLY PAYMENT

Purchase Price:

Down Payment (10%)

Rate (APR):

Loan Term:

$ 1074.18

Estimated Monthly Mortgage Payment

Number of Payments:

360

Total Payed:

$386,704.80

This calculator is made available to you as a self-help tool. All examples are hypothetical and for illustrative purposes only. Any calculations assumes the theoretical borrower will have excellent credit and are based on information you have provided. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on location, loan type, and many other determining factors. This information was prepared by an independent third party, and accuracy is not guaranteed. We encourage you to seek personalized advice from qualified professionals regarding all financial issues and needs.

Celebrating More than 20 Years of

Lending Peace of Mind

Community Commitment

Our Mission: Atlantic Bay Cares is the community outreach arm of Atlantic Bay Mortgage Group with the primary goal of changing lives in communities through doing good and giving back to causes meaningful to our employees.